Happy 250th Birthday, America!! All credit union locations will be closed on Saturday, July 4 to celebrate Independence Day. We will observe normal weekday hours on Friday, July 3 and Monday July 6. Please remember to stay alert for text and phone scams over the holiday weekend. ATFCU staff members will never ask you for your account number, your digital banking login or username, or your Social Security number. If someone asks, it’s not us! Learn more on the Current Happenings page.
Branch Closure
Juneteenth Closings – Over the long weekend we will be improving concrete drainage at the Buffalo Gap drive through facility. At that location only, the ATM will close at 5:30 pm on June 18 and the drive through lanes will close at 6 pm. They will remain closed until Monday, June 22 at 7:30 am. All other ATFCU locations will be closed on Friday, June 19 and will resume normal weekend hours on Saturday, June 20. Thank you for your understanding.
Branch Closure
Memorial Day Holiday – All ATFCU locations will be closed on Monday, May 25 for Memorial Day. Enjoy the long weekend!
Notice
The 76th Annual Meeting of ATFCU is tonight at the Abilene Convention Center. Doors open at 6:30 pm and the business meeting begins at 7. All members are invited. Learn more on the Current Happenings page.
Notice
Attn: High School Seniors (and parents)! The ATFCU Scholarship application process is open. Learn more about it on our Community page. March 10, 2026 is the application deadline. ... Read more
Branch Closure
All credit union locations will be closed on Monday, February 16 to observe Presidents’ Day. Learn more about how a Monday banking holiday might affect your expected transactions.
Notice
Winter Storm Impact – Our drive-through lanes are open for normally scheduled hours on Saturday, January 24. If the weather or utility availability worsens, we will announce updates here and on our social media platforms. Stay safe!
Notice
When is the best time for you? Members are able to schedule appointments for most non-teller transactions. Learn more and we can start coordinating calendars! ... Read more
Building or repairing credit can seem like an endless circle. How can you establish credit and build your credit history if you can’t get approved for a loan? Our credit builder loans can help break that cycle.
Here’s how a credit builder loan works
Step 1
Apply for a credit builder loan. When approved, the funds are deposited into your ATFCU savings account. A hold is placed on the cash so that it cannot be accidentally spent.
Step 2
Make on-time loan payments for the entire length of your loan. ATFCU reports the timely payments each month to the three major credit bureaus.
Step 3
When the loan term is complete, the loan amount plus the interest earned, is released to you.
Step 4
Congratulations! The positive credit reports have increased your score, assuming that there’s been no other change in your financial profile.
Credit Builder Loan Options
Choose the amount and time period that works best for you.
$500 for 12 months at 4.35% APR = $42.65 monthly payment
$1,000 for 18 months at 4.35% APR = $57.49 monthly payment
Please bring at least your last 2 paycheck stubs or another form of income verification.
*Other documentation may be required upon review of the loan application.
We have several options available for submitting loan payments:
In Person: you can see a teller to make a cash, check, or credit card cash advance payment
By Mail: send a check or money order to: Abilene Teachers FCU PO Box 5706 Abilene, TX 79608
By Phone: you can pay by credit card or check by phone by calling 325.677.2274. There is a $5 convenience fee.
Online: by using your ATFCU online banking or mobile app you can
Transfer funds from one of your ATFCU accounts to your loan
Pay with a credit card ($4 convenience fee)
Set up external loan payment with routing number and account number from another financial institution. There is no fee with this option and you can set up recurring payments.
If you find a discrepancy on your credit report, there is a great article on Credit Karma’s website with instructions on how to dispute the incorrect information.
Parenting doesn't stop when your kids turn 18. From navigating the legal shifts of medical powers of attorney for young adults to managing co-signed loan liabilities and setting healthy financial boundaries, discover a practical roadmap—backed by real personal experience—to protect your family's future. Continue reading →
Retirement planning usually feels like a second job—one that requires a PhD in spreadsheets. If you're tired of confusing jargon and complex calculators, see how our new Retirement Simplified tool takes the headache out of the process, giving you a clear plan in minutes without the math-induced stress. Continue reading →
Is your New Year’s motivation starting to fade? By February, many resolutions hit a slump—but your financial goals don't have to. Discover how to use ATFCU’s "Money Management" tool to visualize your spending, automate your savings, and stay accountable all year long. It’s time to move from "intent" to "action" with a GPS for your wallet. Continue reading →
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